支出是最难猜的数字——如果不记账，一个大数字就是盲猜。所以别猜：按类别一项项搭建。填入每月花费，这里会把它分成必需（躲不掉的账单）和可自由支配（灵活的想要），并给出年度总额。不会向服务器发送任何数据。
The bills you can't easily avoid.
The flexible spending you could dial up or down.
您日常的必需和可自由支配支出，正是完整版FIRE计算器算出您何时能退休所需要的——它随年龄递减可自由支配支出（现实中的「退休微笑」曲线），而必需支出保持平稳，所以这个划分真的很重要。
This updates just the spending in your existing plan — everything else stays as you set it. Housing and healthcare are set separately in the planner (housing in the Life plan, healthcare in its own field), so they're left out of the figures sent over — add them there.
Update my plan's spending →Because they behave differently. Essentials — housing, utilities, groceries, transport, insurance — are mostly fixed; you can trim them, but slowly and with effort. Discretionary spending — dining out and bars, travel, subscriptions, hobbies — is the flexible part you can cut quickly if you need to. That flexibility is your safety margin: in a bad market or a tight year, the discretionary slice is what flexes, and a plan that knows the difference is far more resilient than one built on a single spending number.
Don't try to recall one monthly total — you'll be wrong. Instead, look at each category on its own: what's your rent or mortgage? A normal grocery month? Be honest about dining out and bars, which is where most people underestimate badly (a few hundred a month adds up to thousands a year). Add a line for travel even though it's lumpy — divide your typical yearly trips by 12. A dozen rough line items beats one confident guess every time.
常见目标：税后收入约50%给需要、约30%给想要、约20%给储蓄和债务。这是粗略的指南针而非规则——上面显示的真实分配才重要。如果自由支配占比高，并不坏：那是灵活性，是您现在多存钱、将来少花钱的最大杠杆。
相关：储蓄率计算器 · Coast FIRE · 我的钱能撑多久？
仅为估算，不构成理财建议。最准确的预算来自您自己的银行和信用卡账单——这只是一个结构化的起点。 您输入的数据保留在浏览器中——不会向服务器发送任何内容。 · 完整规划器 · 所有计算器 · 储蓄率 · English · Español · Português · Deutsch · Français · Italiano · Nederlands · Svenska · Norsk · Dansk · Polski · Čeština · Suomi · Ελληνικά · Türkçe · Bahasa Indonesia · Bahasa Melayu · 日本語 · 한국어 · ไทย · עברית · العربية · 工作原理 · Feedback